When Lynn O'Brien withdraws $400 from an ATM one morning, she glances at her receipt, certain that her checking account balance will now be $892.24. But it isn't! Instead, it is $5,000,892.24, FIVE MILLION DOLLARS! Lynn's fantastic discovery sends her off on a rousing adventure that races through the pages of atm, a modern day fantasy and romantic comedy of errors. She and a young research scientist who has had a similar, unbelievable windfall, fly to the island of Madeira to track down their anonymous benefactor. Along the way, government agents of Telamia, a fictional North African country, abduct the pair, after themselves meeting with a series of chuckle-eliciting misadventures before whisking their captives to their leader's presidential palace. Eventually returned to Madeira, Lynn and David pursue their quest, surreptitiously followed by the Telamian agents, who in turn are tailed by a CIA operative when an informant reports the palace meeting. Colossal misunderstandings set the stage for humor, while interactions among Lynn and David, the foreign agents, General Alaz, multi-millionaire Jonathan Kingsley, Academy Award-winning Hollywood actress Natalie Forthright, Lynn's husband Patrick, and other memorable characters bring a tear or two to the eye at the reality underlying the page-turner plot.